I worry about the cost of tests, but not treatment. I do tell my doctor everything, though, in case there is a potential for something serious I'm not seeing. Like toe nail fungus is way more likely in diabetics, mentioning that might make them want to check your A1C. So far, any time a treatment has been out of budget for me, the doctor has a suggestion for a holistic approach, or a cheaper treatment, or suddenly 'finds' a bunch of free samples. I think most doctors (at least in the areas I have lived in) understand the high cost of health care, and are willing to work to make sure their patients get treatment.